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Life Insurance Articles > "How To Purchase Life Insurance Without A Medical Exam: Discover the Pros & Cons" Young and healthy individuals will discover that purchasing a life insurance policy is relatively simple. The reason is that these policy holders represent a much lower risk for insurance companies; the likelihood that the insured will die early and require their policy benefits to be paid out or cash in their policy is quite low. Passing a required medical examination is also much easier when you are young and not suffering from any type of medical problems. The problem is that you may require life insurance when you are not healthy or when you are older. Anyone who has a pre-existing medical condition will find it more difficult, if not impossible, to obtain life insurance coverage. What happens if you are told that you require a medical examination in order to qualify for life insurance, but you know you will not pass? This is a common dilemma, as individuals tend to suffer from more medical ailments as they age. The good news is that you may be able to find an insurance company that will sell you a life insurance policy without requiring a medical examination. Although the premium rate will be higher, you can still obtain coverage. If other insurers have already denied you coverage because of your health or if you believe you will fail a medical exam, this may be a viable solution. Many different plans are available to help individuals who are not young or healthy. It is convenient to be able to purchase life insurance without a medical examination. The downside is that you may end up paying much more for your premiums than for a regular life insurance policy. Another factor is that you may not be eligible to receive as much coverage as other types of insurance policies. Many individuals find that policies that don’t require medical exams either don’t provide sufficient coverage or are too expensive. You should purchase some type of life insurance, especially if you have any dependents. If you’re having trouble getting insured because of your age or your health, you should consider looking for a policy that doesn’t require a medical exam. Although you will pay higher and may receive a lower amount of coverage, you and your family will still be protected.